The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$19,821
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,438
−HK$626/mo
Today · 4.125%
HK$21,064
baseline
▲ 0.50% · 4.625%
HK$22,346
+HK$1,282/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,128/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,051
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,642
−HK$600/mo
Today · 4.125%
HK$23,242
baseline
▲ 0.50% · 4.625%
HK$24,467
+HK$1,225/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,484/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,785
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,525
−HK$752/mo
Today · 4.125%
HK$25,277
baseline
▲ 0.50% · 4.625%
HK$26,815
+HK$1,538/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,554/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,461
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,171
−HK$720/mo
Today · 4.125%
HK$27,891
baseline
▲ 0.50% · 4.625%
HK$29,361
+HK$1,470/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,782/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,750
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,613
−HK$877/mo
Today · 4.125%
HK$29,490
baseline
▲ 0.50% · 4.625%
HK$31,284
+HK$1,794/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,980/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,871
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,699
−HK$840/mo
Today · 4.125%
HK$32,539
baseline
▲ 0.50% · 4.625%
HK$34,254
+HK$1,715/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,078/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,678
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,788
−HK$1,128/mo
Today · 4.125%
HK$37,916
baseline
▲ 0.50% · 4.625%
HK$40,223
+HK$2,307/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,832/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,692
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,756
−HK$1,080/mo
Today · 4.125%
HK$41,836
baseline
▲ 0.50% · 4.625%
HK$44,041
+HK$2,205/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,672/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,777 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).